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You already know that signing up for a premiere travel credit card or cash back credit card can help you earn points or miles for each dollar you spend. If you want to boost your rewards game even further, however, you may need to take the plunge and sign up for a second — or even a third — credit card.
That may sound over the top, but it’s important to remember that certain credit cards can work in tandem to boost your rewards haul or make it easier to score the best travel redemptions. Here are some of the most lucrative credit card combinations to consider.
Chase Freedom® and Chase Freedom Unlimited®
If your goal is earning cash rewards with no annual fee, you may want to consider getting the Chase Freedom® and the Chase Freedom Unlimited®. With both cards in your wallet, you could earn more rewards on regular spending and maximize bonus categories.
It all starts with the Chase Freedom® since it gives you 5% back on up to $1,500 spent in categories that rotate each quarter, plus 1% back on other purchases. Rotating bonus categories change each year but frequently include common purchases like gas, groceries, and home improvement stores, so they’re easy to max out.
For non-bonus spending, you would use your Chase Freedom Unlimited® to earn 1.5% back for each dollar you spend. Chase also lets you combine your rewards in a single account and redeem for gift cards, statement credits, merchandise, travel, and more.
Both cards also offer a $150 sign-up bonus after you spend $500 on your card within three months of the account opening.
Chase Freedom® and Chase Sapphire Preferred® Card
The Chase Freedom® and Chase Sapphire Preferred® Card are another solid duo since you can maximize each of their benefits to the hilt, then pool points in a single account for the best redemptions. We already mentioned how the Chase Freedom® works, so you could plan on using it to maximize bonus categories that change each quarter. Just remember that you have to “activate” your card to register for the bonus category each quarter, and that it doesn’t happen automatically.
With the Chase Sapphire Preferred® Card in your wallet, you earn 2x points on travel and dining and 1 point per $1 on all other purchases. As a result, you would use this card for all your travel and dining expenses with no exceptions. As an added bonus, the Chase Sapphire Preferred® offers an initial bonus of 60,000 points after you spend $4,000 on your card within three months of the account opening.
Once you rack up both sign-up bonuses and begin earning ongoing rewards for your spending, you have the option to pool all your rewards into your Chase Sapphire Preferred® account for premium travel redemptions. Unlike the Chase Freedom®, the Chase Sapphire Preferred® lets you transfer points 1:1 to popular airline and hotel partners or use them to get 25% more travel for free through the Chase Ultimate Rewards portal. Keep in mind, however, that the Chase Sapphire Preferred® has a $95 annual fee.
Blue Cash Preferred® Card from American Express and American Express Cash Magnet® Card
We like the Blue Cash Preferred® Card from American Express because it offers 6% back on up to $6,000 in U.S. supermarket spending each year as well as on select U.S. streaming services like Pandora and Netflix. You also get 3% back on U.S. gas station spending and transit (including Uber and Lyft, parking, tolls, etc.), along with 1% back on all other purchases. There’s a $95 annual fee (see rates & fees), but you earn a $250 statement credit after you spend $1,000 on your card within three months of the account opening. Terms apply.
For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.
The biggest downside of the Blue Cash Preferred® from American Express is the fact that it only gives 1% back on regular purchases, but that’s where the American Express Cash Magnet® Card comes in. Since this card gives you 1.5% cash back on all spending with no annual fee (see rates & fees), you could use it for all your non-bonus spending. To sweeten the pot, you’ll also earn a $150 statement credit when you use this card for $1,000 in purchases within three months of opening the account. Terms apply.
For rates and fees of the American Express Cash Magnet® Card, please click here.
Capital One® Venture® Rewards Credit Card and Capital One® Savor® Cash Rewards Credit Card
If you love to travel but also want to earn cash back, the Capital One® Venture® Rewards Credit Card and Capital One® Savor® Cash Rewards Credit Card make an intriguing pair.
It all starts with the Capital One® Savor® Cash Rewards Credit Card, which lets you earn an unlimited 4% cash back on dining and entertainment, 2% back at grocery stores, and 1% back on other purchases. You also get a $300 cash bonus after you spend $3,000 on your card within three months of opening your account.
Using this card for all your dining, entertainment, and grocery spending could help you rack up considerable cash back over time — especially since rewards are unlimited.
You could also sign up for the Capital One® Venture® Rewards Credit Card to cure your wanderlust. This card offers a flat 2x miles for each dollar you spend, making it a smart option for all non-bonus purchases you want to make with a credit card. You can redeem these points in several different ways, including the option to redeem for any type of travel at a rate of one cent per point. Another option is transferring to 12 leading travel loyalty programs including Air Canada, Air France, Avianca, Emirates, and more.
Finally, the Capital One® Venture® Rewards Credit Card gives cardholders a statement credit of up to $100 for a Global Entry/TSA Precheck fee, and the $95 annual fee is waived the first year.
Info about the Chase Freedom® has been collected independently by Wise Bread. The issuer did not provide the details, nor is it responsible for their accuracy.
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